It is over time that you learn how someone handles their life financially. I mean, someone could make a lot of money and be "poorer" (ie...lots of debts or financial obligations) than someone who makes a whole lot less, so making decisions based on what they claim they are worth isn't reliable.
If the man invites, I let him pick the place and pay the first date. After letting him talk about his hobbies, his job, and himself in general I have a bit of clue on how he is financially.
For example...the guy I went out with was an engineer for a major automotive manufacturer. (possible good money? ) .... however, he was unemployed for 1 1/2 years (hmmm....maybe he is playing "catch up" financially) ... but he had just bought a new house because he decided he wanted a nicer home (hmmm....well, that means he managed his money during the period of unemployment well since he had good enough credit to take a step up).....however, since he bought it with retirement savings...(had enough to make the purchase...but was he making impulsive and irresponsible purchase?) .... said that his period of unemployment was difficult because he had not been unemployed since he was 16 years old (hmmmm....sounds like a responsible man). Griped about his teenage son not working hard enough in school...and it frustrated him because he was spending most of his money paying for the private Christian school that his son was going to because the son wanted to be their (priorities are right...money may be tight because of his priorities). He also mentioned being totally broke at one time....because he realized that when his son was young, that his ex-wife was not a "fit" mother and he had to spend everything he had to get full custody (how many men want full custody of a toddler?...again, a man with some priorities that I can admire)... the final straw was the boy returned from a visit with his mother with what the doctors determined was a cigarette burn on his back.
How much is he worth? I still don't know. He most likely makes good money but spends a lot of it on his family obligations...and he obviously knows how to save or else he would not have been able to upgrade after being unemployed for a long period of time. ..... see what I mean? (and I learned this much info in two dates....but he was a talker...

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As for "getting serious"...at our age, I don't think that is a time related thing....it is just when both members start to talk about things that mean you are starting to consider commitment. With kids in the house, it will be a lot longer of a time frame than it might be after they leave the house. After I don't have to worry about their safety, I might be willing to be a bit more impulsive if I "feel" that something is "right".